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Access to financial institutions is difficult in developing economies and especially for the poor. However, the widespread adoption of mobile phones has enabled the development of mobile money systems that deliver financial services through…
Mobile banking apps have transformed the banking sector by offering customers with convenient, secure and easily accessible financial services. Even so, it is crucial for banks and the mobile banking apps developers to understand the…
The rising popularity of mobile payments can be attributed to the widespread use of smartphones and their applications. Despite its potential to simplify our lives, its adoption in African countries has been limited. This paper aims to…
This study aimed to assess the impacts of ICTs on livelihoods of women microenterprises in Malawi. The study was an interpretive qualitative approach in which semi-structured interviews, observation and field notes were used to collect…
Mobile applications have been rapidly changing the way business organizations deliver their services to their customers and how customers can interact with their service providers in order to satisfy their needs. The use of mobile…
Mobile health (mHealth) applications have become increasingly valuable in preventive healthcare and in reducing the burden on healthcare organizations. The aim of this paper is to investigate the factors that influence user acceptance of…
Digital financial services have catalyzed financial inclusion in Africa. Commonly implemented as a mobile wallet service referred to as mobile money (MoMo), the technology provides enormous benefits to its users, some of whom have long been…
Approximately half of the global population does not have access to the internet, even though digital connectivity can reduce poverty by revolutionizing economic development opportunities. Due to a lack of data, Mobile Network Operators and…
The use of mobile payment services is an essential contributor to financial inclusion in emerging markets. Unfortunately, the service has become a platform for fraud. Mobile payment users need to be digitally resilient to continue using the…
Recently, mobile operators in many developing economies have launched "Mobile Money" platforms that deliver basic financial services over the mobile phone network. While many believe that these services can improve the lives of the poor, a…
Cash payment is still king in several markets, accounting for more than 90\ of the payments in almost all the developing countries. The usage of mobile phones is pretty ordinary in this present era. Mobile phones have become an inseparable…
In this work, we analyze the problem of adoption of mobile money in Pakistan by using the call detail records of a major telecom company as our input. Our results highlight the fact that different sections of the society have different…
Mobile money can facilitate financial inclusion in developing countries, which usually have high mobile phone use and steady remittance activity. Many countries in Latin America meet the minimum technological requirements to use mobile…
Participation in urban planning is championed for entrenching democracy and development. Malawi passed the Local Government Act (1998) and Decentralization Policy (1998) to facilitate community participation in decision-making processes.…
The introduction of new payment methods has resulted in one of the most significant changes in the way we consume goods and services. In this paper, I present results of a field and a laboratory experiment designed to determine the effect…
Undeniably, the advent of mobile applications has brought new frontiers to usability engineering. To date, ongoing research has shown significant efforts to adopt and adapt usability principles to the mobile computing environment. One of…
This paper reports results from an online survey on the impact of travellers' privacy and security attitudes and concerns on their willingness to use mobility-as-a-service (MaaS) systems. This study is part of a larger project that aims at…
Measuring close proximity interactions between individuals can provide key information on social contacts in human communities. With the present study, we report the quantitative assessment of contact patterns in a village in rural Malawi,…
This paper explores the impacts of spreadsheets on business operations in a water utility parastatal in Malawi, Sub-Saharan Africa. The organisation is a typical example of a semi-government body operating in a technologically…
The landscape of payment methods in retail is a complex and evolving area. Vendors are motivated to conduct an appropriate analysis to decide what payment methods to accept out of a vast range of options. Many factors are included in this…